Tag Archives: Two for Tuesday

Two for Tuesday -Push or Pull, Organic and Paid, Online and Off!

#TwoforTuesday – Push or Pull, Organic and Paid, Online and Off! It’s #LeadWeek – And we go over several things in today’s post about what you need to be doing.  Online and offline, you need to be “showing up” on a personal level and for business.  That means on your personal profile, and your business page.  That means you need to meet realtors and attend closings.  Just get involved and do it! If you have a social media profile and you don’t even post what you do you’re missing the boat. 🙂

Online and off, you need to push and pull your messages.  Maybe you promote another person’s community event and show up and help.  Maybe you share a listing a RE Agent has you network with.  Maybe you post up a flyer at an apartment complex, maybe you give Facebook some money and boost a post or run an ad.  Bottom line is you need to be well balanced and not just do one or the other.  Organic and paid actions work well together, and formulate a “branding strategy” that helps your money go further.  The more you post on a community page or business page, the higher you can get the “relevancy” score, which in turn can help you gain more reach with paid ads.

Online and off, audiences are everywhere.  You have to learn to take advantage of appealing to them, and learn the subtle art of selling.  My advice is follow your #Passions.  Whatever that may be.  Groups online are everywhere, are you in them?  Are you giving them value and providing solutions?  A great way to gain eye balls is to PUSH your message into groups that are relevant to the subject you are posting about.  You can tie owning a home into almost everything someway shape or form.  You can also PULL your message or others by tagging people or checking in at places.  Eye’s are everywhere, its just how you produce your message that can gain an interest to the right person at the right time.

So today, here’s a tool that helps you be able to utilize both organic PUSH and PULL and paid action to gain a ton of eyeballs on any Realtors listing(s).  Many of the tools out there can be used both organically and paid, just many don’t realize how to make their message “go viral”.  It’s simple really, you need to push and pull.  There’s only two things that happen to messages.  Take advantage of these principals and grow your pipeline.

GET THE BEST TOOL TO ADD VALUE TO YOUR REAL ESTATE AGENTS HERE ↓

LISTING BOOSTER – A tool far under utilized

Want more leads? – Keep watching this week we continue to go over the anatomy of marketing and building campaigns.

As Always – If you gain leads and have questions about loans, guidelines, structure etc, let’s chat.  #GetOnPoint with #BluePointMtg – CLICK HERE– I’ll personally help you close a loan and get paid! 

#SellWell

Two for Tuesday – The 1003 & Offer!

#TwoforTuesday – The 1003 and the Offer!  I think these two things are commonly overlooked as some of the most important STEPS of the sale.  The 1003 first of all is the heart of the transaction and goes incomplete quite often.  Go deep ya’ll!  Ask them what color their blinds are! Getting a full 2 year history on what that “Person” owns and owes is what it is about.

The Offer, well that is sales orientated and many just forget or don’t take the time to plan a presentation.  Or even “DO” a presentation at all.  Do NOT just email your “offer” over to the client.  That’s a sure fire way to get shopped and lose the deal.  When I was a LO we would strive for SDS!  #SameDayService for a client that said yes signed the docs and sent everything back to us same day.

This is SALES 101, you need to be pushing the bruise (credit or their WHY) and elaborating on their pains to provide a solution.  You write mortgages, an intangible service, that if custom tailored can help that individual reach goals in life.  BE PROUD OF THAT, don’t just email the offer over and not have them on the phone to go over it.

When it comes to #SDS – We want to help!  Got a file with a fire, and want “Same Day Service” for disclosures and submission to underwriting to accommodate your “YES” you got?  We can help you #GetOnPoint!  CLICK HERE!

As always –

#SellWell – (Make your presentation stick out) 🙂

Two for Tuesday – Manually Underwritten or Approved!

#TwoforTuesday – Manually underwritten or Approved/Eligible!  The loans you have are one or the other.  Today I want to remind all LO’s some reason’s why loans are manually downgraded.  And that options exist.

Bonus reminder, Two 4 Tuesday style, VA loans can be DU Approved/Eligible or LP Accept.  Often times LO’s forget to run LP on VA loans.  That’s one product that can be either or.  ↓

You either #GetOnPoint or you are not hooked up yet! Might as well arm yourself and team with options.  Get on Point with #BluePointMtg and have manual and approved options for your borrowers.  CLICK HERE – Let’s do business!!

Offering .25 incentive to all new “first” loans from broker’s in April.  Let’s bloom together! Want to check out rates, programs or send me a scenario?  Text the word “Juiceman” to 33655 and download my app.  Take a scroll through the links and submit me a scenario real time.

As Always –

#SellWell

Two for Tuesday – Credit Counseling and O/O

#TwoforTuesday – Back to our regularly scheduled program and Tuesdays’ a guideline day as always! I go over two guides today, one on Credit Counseling and one on Owner Occupied Principle residence.

Get the #JUICE below! Join Us In Creating Excitement for helping more borrowers ↓

#GetOnPoint with #BluePointMtg today, and give us a shot on your next pricing, scenario or loan need.  We are making magic happen and would love to include you!  That way we help you get a pay day!! #LetsFund some loans together! CLICK HERE

As Always –

#SellWell

 

Two for Tuesday – JUICY Websites!

#TwoforTuesday – JUICY Websites and JUICY Applications.  Some of the major things any one LO/Mortgage Company should have, = a web presence.  If you don’t have a website or want to update your’s to be more modern and have chat features to mortgage calculators, this is for you.  If you don’t have a mobile application, or web application that can drive security for docs, or walk your client through a 1003 in their “language” – This is for you!

Technology is forever evolving and today’s #JUICYList highlights companies that are one’s to check out.  If you don’t have access to something like this, you’re missing the boat and potentially missing loans.  Because consumers are looking for those that are leveraging tech, heck that’s where you find them.  (Facebook anyone?)

See the links below the video today, you’ll be glad you updated and upgraded! ↓

The LENDER HOME PAGE is a complete system for website happiness, every bell and whistle is available to a basic landing page.

PERFECT LO is a virtual application designed to help you take more 1003’s.  And complete 1003’s at that.  Depending on the answers to questions, the system is designed to help you dig deep and complete the most thorough 1003.  And you can do it in many different languages.

PRE-APP 1003 is a virtual application and 1003 system complete with integration with DU, a CRM function for follow up, and much more.  In many ways this application is getting updated all the time and adds more functionality above and beyond just a virtual 1003 in the palm of your hand.

IF your thinking about updating or upgrading these are the companies to look at and work with to help your LO’s and Company go “Viral”!

As always –

#SellWell

Two for Tuesday – DU or LP & VA Loans

#TwoforTuesday – DU or LP & VA loans.  Many LO’s forget that you can do a VA loan on DU or LP.  I say run it on DU and if it doesn’t get approved, try LP as a second resort.  #VALoans are quite possibly the best loan out there hands down.  I ♥ helping Veterans get into homes with no money down.

Today I dedicate the day to some of the #GuidelineWeek guidelines that I went over last week for VA Loans.  Foreclosure, SS, BK, concessions and more.  I talk about the recent changes in cash out LTV calculations and several other “cool VA guides” you should know.

When it comes to partnering with #WholesaleLenders for VA, I suggest you #GetOnPoint.  Why? Because at #BluePointMtg we have virtually no overlays and we will send out to a local VA office if needed.  (Happens when two unmarried Vets are on same loan).   Many lenders do not do this.  We want to give you options for your Veteran borrowers.  #LetsChatVA

We close loans, that’s the point! #GetOnPoint with #BluePointMtg – CLICK HERE

As Always –

#SellWell

Two for Tuesday – Guideline Week!

#TwoforTuesday – #GuidelineWeek – This week, I go over some of the most commonly asked questions.  Today I review conventional LTV limits, and funny enough I get an email last night asking for the LTV on a REFI for an investment property.  The conventional limits, and non-agency limits on LTV /FICO are on matrices openly published and can be accessed WITHOUT a password.

Want to see them? – CLICK HERE! In today’s show I go over Bankruptcy and Foreclosure guidelines for you all on conventional loans.  When it comes to “Non-Agency” the guidelines are driven highly by FICO, but comparing the Fannie Mae matrix versus non-qm, you can see a 5% increase in most buckets for LTV.  Answering my Broker’s question, 75% LTV refi on Conventional, and with a high enough FICO up to 80% LTV refi on non-agency for investment property Rate and Term transactions. ↓

Ton’s more #JUICE all week long.  Tomorrow we’ll visit FHA guides more and I’ll alternate products all week to get the important “most frequently asked questions” out of the way.  I ♥ “I gotta guy” questions and can’t wait to help you with your most recent scenario.  🙂

As Always –

#SellWell

 

 

Two for Tuesday – R&T Not Cash Out!

#TwoforTuesday – Rate and Term not Cash out! Many questions recently on combining a 1st and 2nd mortgage on non-agency, FHA and Conventional loans.  Including paying off an ex-spouse from a divorce decree.  Today’s guideline day so I go over these instances and what makes it cash out or rate and term ↓

Ready? Set – GO!  – I’m in the office taking “I gotta guy” questions on all types of scenarios.  Let’s chat and make a loan out of your scenario.  I absolutely love helping LO’s structure loans to get them done, and done right the first time.  Don’t be shy, all you need to do is text the word Juiceman to 33655 and you’ll get my virtual business card.  On it is all my contact info.  Submit me a scenario and I’ll respond immediately.

As I always say –

#SellWell

Two for Tuesday – Departing Primary and Identity of Interest Transactions!

#TwoforTuesday – Departing primary and identity of interest transactions guidelines on today’s guideline episode! Check it out, lots of questions regarding these two things right at the beginning of the year.  Seems many people are “moving up” or “down-sizing” and want to either rent out their existing home and buy new, or sell their current home to their kids for example.

Departing primary, best thing to remember here, is if the new home is less than 100 miles away and the client wants to retain and rent out their departing primary residence then go conventional.  It’s allowed.  When it comes to selling your home to a family member, assuming it’s a primary residence of say “Mom and Dad” and they want to sell it to JR.  (The Son or Daughter) Then as long as the kid has not “moved back in” then you can sell the home without LTV restriction.  Once the kid has moved in, they have to pay rent for 6 months in order to buy the home.  Seek professional advice from your local Mortgage broker prior to having a bunch of people move.  🙂

This THURSDAY – I’m doing what will be an #EpicWebinar for LO’s to learn how to gain more leads on social platforms, and how to increase referral partners using information that you already have!  It’s a full monte how to #Brand webinar that I will do inside of 30 minutes.  You’re not going to want to miss the JUICE flowing in this.  Plus for all those that show up I’ll be giving away the #10DaysofPain follow up sequence.  A proven set of emails to use when following up that convert!

Here’s the link to join –> JUICY WEBINAR

As Always –

#SellWell

Two for Tuesday – Collections and Disputes on FHA!

#TwoforTuesday – Back to basics as a reminder in the new year, Collections and Disputes on FHA are covered today!  Know this off the top of your head.  There is magic numbers to both of these, know them, and if the net amount on any credit report is less than the magic number ignore it and run it through DU.

FHA is a strong suit of mine, and I’ve always excelled at getting these done.  We have 203B, and 203H FHA loans, as well as CalHFA opportunity for those in California.  In all reality any FHA loan can be accompanied by some DPA, just LO’s don’t look them up.  If you find one that will meet us at the table with the money, run it by me, odds are we can do it.  Here’s a website to help you find them; http://www.downpayment.org

I’m growing and helping brokerages grow too.  Do you have a want to hire more LO’s this year?  Let’s chat, we can talk strategy for that.  Do you want to start an online presence or make the one you have actually get you names, phone numbers and emails?  We can do that too!  All I ever look to do is help on a few loans here and there.  (Small piece of the pie) #LetsDoBusiness – Take the 10 minutes it takes to print sign and send back a 12 month committment to do business.  At which point I’ll earn my right to stay in your lending arsenal.  I’ll add that much value, that’s a promise.  CLICK HERE

As I always say –

#SellWell